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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Platinum Credit Card vs ICICI Bank Sapphiro Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
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ICICI Bank

ICICI Bank Sapphiro Credit Card

8/10
Annual Fee₹3,500
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank HPCL Platinum Credit CardICICI Bank Sapphiro Credit Card
Annual Fee₹199₹3,500
Joining Fee₹199₹6,500
Fee Waiver Spend₹50,000₹6,00,000
Base Reward Rate0.5%0.25%
Reward CurrencyICICI Bank RewardsICICI Bank Rewards
NetworkVisaVisa
Editor Rating6.2/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

ICICI Bank Sapphiro Credit Card

  • 0% on International Spends

Pros & Cons

ICICI Bank HPCL Platinum Credit Card

Pros

  • 2.5% cashback on fuel purchases at HPCL pumps (up to ₹100/month).
  • 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL.
  • ₹100 off on movie tickets twice a month via BookMyShow.
  • Low annual fee of ₹199, waived on spending ₹50,000 annually.

Cons

  • Cashback and surcharge waiver only applicable on ICICI Merchant Services swipe machines.
  • No airport lounge access benefits.
  • Low reward rate on non-fuel retail spends (0.5% value).

ICICI Bank Sapphiro Credit Card

Pros

  • High-value welcome vouchers worth over ₹9,000 covering travel, shopping, and dining.
  • Dual-card advantage (Amex + Mastercard/Visa) allows for broader acceptance and network-specific offers.
  • Generous movie benefits with Buy 1 Get 1 up to ₹500 twice a month on BookMyShow.
  • Complimentary golf rounds (up to 4 per month) based on spending milestones.

Cons

  • High annual fee of ₹3,500 which is only waived on a relatively high spend of ₹6 lakhs.
  • Domestic lounge access is contingent on a high quarterly spend of ₹75,000.
  • Reward rate on utilities and insurance is low at 1 point per ₹100.

Our Verdict

ICICI Bank Sapphiro Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank HPCL Platinum Credit Card if

Strong fuel savings at HPCL pumps for a very low annual fee.

Choose ICICI Bank Sapphiro Credit Card if

Offers both domestic and international lounge access along with travel-specific welcome vouchers.

Frequently Asked Questions

Which is better: ICICI Bank HPCL Platinum Credit Card or ICICI Bank Sapphiro Credit Card?
ICICI Bank Sapphiro Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank HPCL Platinum Credit Card and ICICI Bank Sapphiro Credit Card?
ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199, while ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Platinum Credit Card or ICICI Bank Sapphiro Credit Card?
ICICI Bank HPCL Platinum Credit Card offers a base reward rate of 0.5% with accelerated rewards on Fuel at HPCL. ICICI Bank Sapphiro Credit Card offers 0.25% base rewards with bonuses on International Spends. The better choice depends on your primary spending categories.
Can I have both ICICI Bank HPCL Platinum Credit Card and ICICI Bank Sapphiro Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank HPCL Platinum Credit Card and ICICI Bank Sapphiro Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank HPCL Platinum Credit Card or ICICI Bank Sapphiro Credit Card?
For beginners, ICICI Bank HPCL Platinum Credit Card may be more approachable with a lower annual fee of ₹199. However, evaluate based on your expected spending pattern rather than fee alone.

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